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Fully-featured banking

Unit is a complete banking-as-a-service platform. We provide accounts, cards, payments, and lending with all the features you need so that you can build the modern banking solution that customers expect.

Accounts

Unit makes it simple to create accounts for businesses, sole proprietors, and individuals with unique routing and account numbers. Unit handles KYC/KYB, AML, fraud, application reviews, and other compliance and onboarding requirements. To learn more about how Accounts are created please read our End-Customer Applications Guide.

Deposit Accounts

Individual Accounts

Coming Soon

Create interest-earning FDIC insured deposit accounts for individuals and sole proprietors with features that support cards, money movement, bill pay, cash advances, ATMs, and more. Accounts can be used for different purposes including checking, savings, or tax.

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Integrated with

Business Accounts

Coming Soon

Create interest-earning FDIC insured deposit accounts for businesses with features that support cards, money movement, bill pay, cash advances, ATMs, and more. Accounts can be used for different purposes including checking, savings, or tax.

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Integrated with

Joint Accounts

Coming Soon

Create interest-earning FDIC insured deposit accounts controlled by multiple individuals with features that support cards, money movement, bill pay, cash advances, ATMs, and more. Accounts can be used for different purposes including checking, savings, or tax.

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Integrated with

Account Features

Unlimited Accounts

Coming Soon

Create as many accounts per customer as you need to support your business use case. Each account receives a unique account number and can be managed separately.

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Integrated with

Flexible Interest

Coming Soon

Provide customers interest on their account balance. You can easily implement different interest for different customers, for example one amount for “VIP” customers and another for “standard” customers.

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Integrated with

Tax Advantaged Spending

Coming Soon

Optimize your customers income by allowing them to spend on certain items tax-free. Unit allows for HSA, FSA, and HRA debit cards to be issued to customers accounts.

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Integrated with

Tax Management

Coming Soon

Create dedicated accounts used for tax management that can help independent workers and freelancers automate their taxes.

Learn more
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Integrated with

White-Labeled UIs

White-labeled Application Forms

Coming Soon

Launch faster by eliminating the need to build an application form. Onboard customers with a branded, responsive, optimized, and compliant application UI.

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Integrated with

Statements

Coming Soon

Deliver custom branded monthly statements to your customers with ease. Our white-labelled statements are offered in HTML or PDF format as well as English and Spanish.

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Integrated with

Bank Verification Letter

Coming Soon

Create a better experience by providing customers with a branded letter confirming their account creation and details.

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Integrated with

Cards

Create cards for your business, individual, or joint account customers - while letting Unit manage disputes and compliance. Debit cards can be used anywhere Visa is accepted worldwide.

Debit Cards

Physical Cards

Coming Soon

Issue physical cards with on-demand or custom designs created and shipped directly to your customers through a single API call.

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Integrated with

Virtual Cards

Coming Soon

Issue virtual cards, which are unique cards available to use immediately.

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Integrated with

Card Management

Flexible Cash-Back

Coming Soon

Build customized cash-back rewards using the card generated interchange. Unit provides interchange information on every transaction as well as simple controls to implement how much to distribute to each customer.

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Integrated with

Programmatic Authorization

Coming Soon

Automatically shift money between accounts on a purchase, restrict purchases to specific institutions, or more by automatically approving, declining, or adjusting debit card transactions based on whatever criteria you create.

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Integrated with

Add To Mobile Wallet

Coming Soon

Allow for more convenience and card usability by allowing customers to add their cards to Apple Wallet, Google Wallet, and Samsung Pay.

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Integrated with

Custom Designs

Coming Soon

Create a branded experience for your customers with custom card designs.

View guide
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Integrated with

Easy Activation

Coming Soon

Quickly onboard customers by allowing them to activate physical cards from within your product. Virtual cards are automatically activated.

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Integrated with

Card Controls

Coming Soon

Avoid customer service inquiries by allowing customers freeze and unfreeze cards, report cards as stolen, and set and change the PIN on their debit cards from within your product.

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Integrated with

Payments

Build in the ability to receive funds, make payments, and withdraw money; with fees you can implement on these activities. Unit’s built-in ledger gives you flexibility, control, and reporting with real-time data on every transaction.

Receive Funds

ACH Payments

Coming Soon

Allow customers to move funds between their accounts and any external bank account by receiving an ACH credit or originating an ACH debit.

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Integrated with

Direct Deposit

Coming Soon

Increase deposits and account usage by enabling customers to redirect all or a portion of their paychecks to be deposited into their account automatically.

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Integrated with

ATM Deposit

Coming Soon

Provide convenience to customers by allowing them to make deposits into their accounts at thousands of ATMs.

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Integrated with

Check Deposit

Coming Soon

Enable customers to instantly and conveniently deposit checks simply by uploading images of the front and back of the check.

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Integrated with

Checkout

Coming Soon

Easily create ecommerce and online payment experiences that help customers get paid by their customers directly into their accounts.

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Integrated with

Instant Funding

Coming Soon

Decrease your customer’s time-to-first-use by allowing customers to immediately fund their account using a debit card.

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Integrated with

Same-Day ACH

Coming Soon

All the benefits of a normal ACH transfer without the wait, transfers happen the same day.

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Integrated with

Book Payments

Coming Soon

Create free and instant payments within your organization. Book payments can be between customers, between accounts for one customer, between your operational accounts and customer accounts, or between your operational accounts.

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Integrated with

Push-to-Card

Coming Soon

Allow customers to receive funds into their accounts by using their debit card details.

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Integrated with

Wire Transfers

Coming Soon

Receive funds directly into your customers accounts via wire transfers (Fedwire) with just the routing and account numbers.

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Integrated with

International Payments

Coming Soon

Receive ACH and wire payments from across borders. Customers can access thousands of payment systems around the world for easy money retrieval.

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Integrated with

Send Funds

ACH Payments

Coming Soon

Allow customers to move funds between their accounts and any external bank account by receiving an ACH debit or originating an ACH credit.

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>

Integrated with

Same-Day ACH

Coming Soon

All the benefits of a normal ACH transfer without the wait, transfers happen the same day.

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Integrated with

Wire Transfers

Coming Soon

Allow customers to send funds directly from their accounts via wire transfers (aka Fedwire) with just the routing and account numbers.

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>

Integrated with

Book Payments

Coming Soon

Create free and instant payments within your organization. Book payments can be between customers, between accounts for one customer, between your operational accounts and customer accounts, or between your operational accounts.

View docs
>

Integrated with

Send To Card

Coming Soon

Instantly send payments simply by specifying the recipient's card information.

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Integrated with

Send Checks

Coming Soon

Send physical and digital checks directly from your product via an API call.

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Integrated with

Bill Pay

Coming Soon

Increase customer loyalty and stickiness by allowing your customers to make payments to a network of over 20,000 billers, by providing their account number and the amount they wish to pay.

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Integrated with

International Payments

Coming Soon

Send ACH and wire payments across borders. Customers can allow their payments to be received at thousands of locations around the world.

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Integrated with

Fee-free ATMs

Coming Soon

Allow customers to withdraw money easily and fee-free with access to 55,000+ ATMs across the United States.

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Integrated with

Lending

Provide your customers with fast and seamless access to funds they need. Build flows that allow you to automate lending and getting paid back.

Cash Advance

Coming Soon

Offer customers instant cash advances using information you have on their income and ability to repay to determine how much to provide, with the ability to set up automatic repayment. For example, give businesses a cash advance based on the recurring revenue you know they generate.

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Integrated with

Factoring

Coming Soon

Create new revenue streams by building a factoring product. Simplify the experience by programmatically capturing repayment when your customer gets paid. For example, give freelancers an advance on an invoice that gets paid back minus a fee on invoice payment.

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Integrated with

Dashboard

Monitor and manage all your customer accounts, cards, transactions, and activities from the Unit Dashboard. 

Activity Monitoring

Coming Soon

Track, manage, and report on all of your customers' activities so your team can help your customers and see how your financial products are performing.

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Integrated with

Account Management

Coming Soon

Manage your customer’s accounts, freeze accounts, add authorized users, and update account information.

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Integrated with

User Permissioning

Coming Soon

Maintain the appropriate balance of collaboration and control while ensuring that your customer’s data is secure and protected with flexible user permissions for different roles.

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Integrated with

Single Sign-On

Coming Soon

Enhance security of your customer’s accounts and data by ensuring that only people within your organization are able to access the Dashboard.

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Integrated with

Support

Unit is here to help you succeed and scale. Our best-in-class engineering, compliance, and success teams are here to provide one-on-one support, guides, and best practices to help you launch and grow faster.

Dedicated Account Manager

Coming Soon

All Unit customers have a dedicated account manager and technical support from day one to ensure your success.

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Integrated with

Compliance Experts

Coming Soon

Our team of compliance experts are available to you to help you launch and scale. Focus your time and money on building differentiated products and experiences your customers love.

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Integrated with

Service Level Agreements

Coming Soon

For applications that require additional documentation and a manual compliance review, we guarantee to review them within 2 business hours of receiving documentation.

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Integrated with

Don't see a feature you need?

  1. Review the API documentation where we have complete details on the entire platform.
  2. Review our roadmap where you can see what we're building and provide us feedback.
  3. Contact us to chat about your use case.

Bring financial features to life and start building — today

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